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Bank of America Customized Cash Rewards

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About Bank of America Credit Cards

The Bank of America Customized Cash Rewards from Bank of America is one of the top-rated Credit Cards options evaluated on MoneyCompared, earning an overall product score of 9.3/10. Flexible cash back card where you choose your own 3% category (online shopping, dining, travel, gas/EV, drug stores, or home improvement), boosted up to 5.25% with Preferred Rewards.

Key highlights include 0% Intro APR for 15 Billing Cycles, then 19.24% - 29.24%, a fee structure of $0 Annual Fee, and $200 Online Cash Rewards Bonus after $1,000 spend. Accounts are backed by $0 Liability Guarantee + Overdraft Protection Link and supported by Bank of America's 4.8 / 5.0-rated digital banking experience.

Features

Annual Fee	$0 Annual Fee
Regular APR / Rate	0% Intro APR for 15 Billing Cycles, then 19.24% - 29.24%
Intro Offer / Welcome Bonus	$200 Online Cash Rewards Bonus after $1,000 spend
Savings APY / AER	3% Choice Category, 2% Grocery & Wholesale Clubs (up to 5.25% w/ Preferred Rewards)
Minimum Deposit	$0 Minimum
Foreign Transaction Fee	3% of transaction
Deposit Insurance	$0 Liability Guarantee + Overdraft Protection Link
Mobile App Rating	4.8 / 5.0
Overall Rating	9.3 / 10

About Product

Annual / Monthly Fee: $0 Annual Fee
APR / APY Rate: 0% Intro APR for 15 Billing Cycles, then 19.24% - 29.24%
Intro Offer / Bonus: $200 Online Cash Rewards Bonus after $1,000 spend
Key Benefits: 3% Choice Category, 2% Grocery & Wholesale Clubs (up to 5.25% w/ Preferred Rewards)
Minimum Requirement: $0 Minimum
Foreign Transaction Fee: 3% of transaction
Protection: $0 Liability Guarantee + Overdraft Protection Link

Pros

Rate / APR / APY: 0% Intro APR for 15 Billing Cycles, then 19.24% - 29.24%
Fee Structure: $0 Annual Fee
Welcome Offer / Benefit: $200 Online Cash Rewards Bonus after $1,000 spend
Rewards & Highlights: 3% Choice Category, 2% Grocery & Wholesale Clubs (up to 5.25% w/ Preferred Rewards)

Cons